You’re on the United States site
  1. Home
  2. Payments


By Xero
3.12 out of 5 stars
Stripe makes it easy to accept payments from debit cards, credit cards, Apple Pay, and Google Pay for online invoices sent from Xero—so you can get paid faster.


Accept direct debit, credit card, Apple Pay, and Google Pay payments online and get paid up to twice as fast when using Stripe in Xero. You can also set recurring payments for repeat customers with auto pay* to turn always-late into on-time payers.

Whenever you receive payments via Stripe, whether via a Xero invoice or an eCommerce store, you'll automatically see the transaction data flow into Xero and can reconcile each payment with one click.

*Stripe auto pay is only available on repeat invoice templates with the approved for sending status.

Play Video
, opens in a dialog

Stripe + Xero

Do business around the world: Accept domestic and international card payments from your customers globally for a low fee. Pay 2.9% + $0.30 per successful card charge on domestic and international transactions.* Read more about Stripe pricing here.

Consistent cash flow: Set your payout schedule through the Stripe dashboard and view all of the payments to your bank account. Standard payout times for the United States are 2-business days. Payout time for the first payment may take 7-10 business days.**

24/7 support: Get help when you need it most. Easy access to step-by-step instructions on how to use Stripe and Xero, and 24/7 support from our customer team. If you have questions about fees and payout times, click here to contact Stripe’s support team.

No chasing payments: Save time and effort when you set up Stripe auto pay and start collecting recurring card payments for repeat billing customers. Auto pay is available on a repeating invoice template that is approved for sending.***

Easy reconciliation: Xero will automatically match payments as they come through your Stripe bank feed, making it easier to reconcile payments with one click. Say goodbye to tracking down payments and fees included in a daily, weekly, or monthly Stripe payout.

Secure and compliant: Protect your customer's information and block fraudulent transactions when you accept online card payments through Stripe. Stripe is a PCI DSS Level 1 certified provider and supports PSD2 regulations in Europe including Strong Customer Authentication (SCA).

*Stripe fees listed above are subject to change.

**Payout times for your first payment may take between 7 to 10 business days due to financial regulations. For more information about Stripe's payout times, click here. In addition, payout times for businesses in higher-risk industries may take longer.

***Stripe auto pay is only available on repeat invoice templates with the approved for sending status.

Reviews & ratings

3.1 out of 5 stars
254 Reviews
5 star(43%)
4 star(6%)
3 star(8%)
2 star(6%)
1 star(37%)

Most recent reviews

Chris Clapham
Posted 21 Sep 2023
1 out of 5 stars

Seven days to get client payments???

Recently started using Stripe as a client wanted use a credit card to pay an invoice. It seemed like a good idea, however, now I am having to wait 7 days to receive the money which Stripe appear to already have recieved from my client? WTF! So it seems Stripe's business model is not just to charge my clients a fee on top of my invoices but to also make some sort of spread by holding onto fund unnecessarily. I have stopped adding this function to my invoices and am looking for an alternative offering which does not hold onto client funds. Any recommendations gratefully recieved.
Andrew Napier
Posted 3 Sep 2023
1 out of 5 stars

Don't do it

Everything is fine with Stripe - until it isn't. Once they decide they're not happy with your business, they freeze funds first and ask questions later. I could understand this if it relates to a fraudulent transaction, or chargebacks, but during our two months with Stripe we didn't have a single incident of this. Nonetheless, Stripe saw fit to freeze £7000 of customer card payments while they conducted an endless looping review. Attempts to contact Stripe went round and round in circles as no agent ever had context, or read up on the email history of the conversation. I had to explain our position as though it was new information in every second email. By the end, I'm fairly sure I was speaking to a chatbot equipped with templates only. We were consistently asked for login details for our online portal, which we provided on every occasion. Each time we did this, Stripe forgot or didn't record the details and/or lost their 2FA access so they'd continually ask us to give them new login credentials. They asked us constantly for our social media or website presence. We require neither, so we avoid both (beyond a basic login portal). Despite this being explained dozens of times, they'd come back to us a day later and request the same thing. In the end, we had to make an official complaint and threaten to go the FCA just to get access to our funds, after which our account was closed. Without a doubt, the worst payments company that I've done business with in my career. Do yourself a favour and go with Square, GoCardless or Crezco.
6 people found this review helpful.
Ahmad Alsulaiman
Posted 1 Sep 2023
1 out of 5 stars

Used it hate it

Got a coustomer to pay me on pay now button but never received the payment.
5 people found this review helpful.

Additional info

App details

By Xero
Added in 2015


Australia, Canada, Global, Hong Kong, Ireland, Malaysia, New Zealand, Singapore, United Kingdom, United States




Setup walkthroughIntegration walkthrough


Although Xero reviews each app in the Xero App Store, we can’t give any guarantees. It’s up to you to assess the performance, quality and suitability of any app before going ahead.